Search full image library
Enter words, names or reference numbers. This opens Alamy results in a new tab.
Other languages and quick categories
Search HotpixUK images in Spanish, French, German, Italian, or English. Use the dropdown for shortcuts.
Search Cash-Machine in other languages
Search All in French
FR Cash-Machine,
Search All German
DE Cash-Machine,
Search All Italian
IT Cash-Machine,
Search All Spanish
ES Cash-Machine,
Back to all images preview
Description
Keywords: GoTonySmith,@HotpixUK,HotpixUK,ATM,cash,machine,note,UK,10,20,dispensed,dispensing,ten,twenty,English,BOE,automated teller machine,money,withdrawal,British,currency,new,royal,portrait,monarch,change,circulation,cash is king,co-circulation,cash economy,cost of living,home,budget,budgeting,household,banking,card,debit,cashless society,financial inclusion
Description: Tony Smith image Alamy 3ECEE46 - A hand holds a newly dispensed King Charles III Bank of stock-photo/gotonysmith-England.html?sortBy=relevant&pseudoid=237DAF28-A4ED-4448-8173-C0E81ABEEC6F Target=_Blank>England £10 note in front of a UK ATM cash machine, showing the new monarch's portrait entering everyday public use through ordinary cash withdrawals. The close-up view of the polymer ten pound note, cash slot and keypad makes this a strong editorial image for stories about British money, personal finance, banking, access to cash, ATM services, the cash economy and the historic currency change following the death of Queen Elizabeth II. Banknotes featuring King Charles III were first issued on 5 June 2024, appearing on the existing £5, £10, £20 and £50 designs with no other design changes. The Bank of England has said Queen Elizabeth II notes remain legal tender and co-circulate with the new King Charles III notes, meaning both portraits can be used together during the gradual transition. This image is commercially useful for illustrating the first appearance of new UK banknotes in daily life, cash withdrawals, banknote security, polymer money, consumer spending, household budgets, retail payments, digital banking debates and financial inclusion. The photograph also works for articles on the continuing need for cash among older people, vulnerable households, small traders, rural communities and people who prefer physical money for budgeting. The ATM keypad, cancel and enter buttons, and the hand gripping the note add practical detail, making the image more grounded than a studio banknote shot. It can support features on the future of cash, bank branch closures, free-to-use cash machines, contactless payments, inflation, the cost of living, economic confidence and the symbolic role of monarchs on British currency. As a documentary stock image, it captures a small but recognisable moment in UK financial history, when King Charles III banknotes moved from official release into the ordinary routine of taking money out of a cashpoint.
King Charles III £10 £20 Bank of England note dispensed from a UK ATM cash machine, marking the new
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,note,notes,20,pound,pounds,holding,UK,keyboard,keys,Scots,bank,dispensed,from,a,local,Automatic Teller,machine,Glasgow,Scotland,G3 8AD,G3,network,banking,of,machines,BOS,RBOS,polymer,plastic,cash,point,cashpoint,finance,finances,money,withdrawing,withdraw
Description: Tony Smith image Alamy 2PHJ91W - Scots 'battle' to get cash after banks and ATMs shut
Scots are facing an uphill battle to access their cash after a large number of bank and cash machine closures, a consumer organisation has warned.
Research by Which? found 339 Scottish bank branches had closed their doors since 2015, while 290 ATMs had been withdrawn in the past year.
It urged the UK government to appoint a regulator to protect access to cash.
HM Treasury said it recognised the continued importance of cash, especially for more vulnerable people.
It added the existing payment systems regulator was closely monitoring developments within ATM provision.
Which? said the closure of cash machines, the majority of which were free to use, had hit Scotland harder than other parts of the UK because of its many rural communities, combined with an already devastated bank branch network.
In Scotland, withdrawals from machines were down just 3.3% in 2017-18, compared with larger drops of 8.5% and 7.7% in London and the south east of England respectively.
Argyle Street, Glasgow, Scotland, UK, G3 8AD
Description
Keywords: Scotland,regional,money,note,Clydesdale,bank,banks,BOS,Halifax,exotic,tourist,travel,exchange,West,Lothian,East,machine,in Edinburgh,Midlothian,Scotland,UK,GB,united,Kingdom,Great,Britain,accepted,not,unacceptable,spend,refused,refuse,Gotonysmith different to English England currency in a shopping street,high st shopping centre,cash
Description: Tony Smith image Alamy DECWAR -
Edinburgh, Scotland, UK
Description
Keywords: Scotland,regional,money,note,Clydesdale,bank,banks,BOS,Halifax,exotic,tourist,travel,exchange,West,Lothian,East,machine,in Edinburgh,Midlothian,Scotland,UK,GB,united,Kingdom,Great,Britain,accepted,not,unacceptable,spend,refused,refuse,Gotonysmith different to English England currency in a shopping street,high st shopping centre,Buy Pictures of,Buy Images Of,laundering,cash,banknote design,travel in Edinburgh
Description: Tony Smith image Alamy DECX4H - Close-up documentary stock photograph of Scottish sterling banknotes being taken from a Royal Bank of Scotland cash machine in Edinburgh, Midlothian, Scotland. A hand holds colourful Scottish paper money beside the ATM keypad, with the red cancel button, yellow clear button and number pad clearly visible. The image shows everyday personal banking, cash withdrawal, physical currency, retail payments and the continuing visibility of banknotes in a society shaped by contactless cards, mobile payments and online banking. The scene has strong editorial value for stories about high street banking, ATM access, cash machine closures, consumer choice, financial inclusion and the role of cash for residents, visitors and small businesses. Scottish banknotes are issued by authorised Scottish banks rather than the Bank of England, and RBS notes remain legal currency, although the Bank of England explains that Scottish notes are not technically legal tender in either England or Scotland. That distinction often creates confusion for tourists and shoppers travelling between Scotland and the UK, making the image useful for articles about acceptance of Scottish notes, currency awareness and practical travel money. The visible £20 note and other sterling notes also make the photograph relevant for themes including cost of living, cash budgeting, spending power, bank accounts, ATM networks, holiday spending, Scottish identity and the mixed currency landscape within the United Kingdom. Taken in Edinburgh, the capital of Scotland and a major tourist and financial centre, the image combines a recognisable banking interface with human action. The tight composition, diagonal notes and cropped keypad give it a practical, real-world feel suitable for news, finance, consumer advice, travel features and banking reports. Lighting appears to be natural or ambient ATM light, with no weather visible, and the image is best read as a candid everyday money and Scottish currency detail.
Edinburgh, Scotland, UK
Description
Keywords: Clydesdale,bank,ATM,cash,dispensing,machine,Scotland,UK,scottish,independance,independence,soveregn,nation,SNP,national,party,money,monetary,union,issues,problems,problem,finance,financial,vote,voting,20,10,pounds,ten,twenty,note,banknotes,official,currency,gotonysmith legal tender retail,finger,fingers,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy DG374N - While provincial banks in England and Wales lost the right to issue paper currency altogether, the practice of private banknote issue has continued in Scotland and Northern Ireland. The right of Scottish banks to issue notes is popularly attributed to the author Sir Walter Scott, who in 1826 waged a campaign to retain Scottish banknotes under the pseudonym Malachi Malagrowther.
Scott feared that the limitation on private banknotes proposed with the Bankers (Scotland) Act 1826 would be have adverse economic consequences if enacted in Scotland because gold and silver were scarce and Scottish commerce relied on small notes as the principal medium of circulating money. His action eventually halted the abolition of private banknotes in Scotland.
Scottish and Northern Irish banknotes are unusual, firstly because they are issued by retail banks, not central banks, and secondly, as they are not legal tender anywhere in the UK “ not even in Scotland or Northern Ireland “ they are in fact promissory notes.
Seven retail banks have the authority of HM Treasury to issue sterling banknotes as currency. Despite this, the notes can be refused at the discretion of recipients in England and Wales, and are often not accepted by banks and exchange bureaus outside of the United Kingdom. This is particularly true in the case of the Royal Bank of Scotland £1 note, which is the only £1 note to remain in circulation within the UK.
In 2000, the European Central Bank indicated that, should the United Kingdom join the euro, Scottish banks (and, by extension, Northern Ireland banks) would have to cease banknote issue. During the Financial crisis of 2007“2008, the future of private banknotes in the United Kingdom was uncertain. It has been suggested that the Banking Act 2009 would restrict the issue of banknotes by commercial banks in Scotland and Northern Ireland by removing many of the provisions of the Acts quoted above.Banks would be forced to lodge sterling.
Dalkeith, Edinburgh, Scotland UK
Description
Keywords: Putting,a,green,Lloyds,account,card,into,a,co-op,cash,machine,green,gotonysmith,England,UK,United,Kingdom,push,pushing,chip,and,pin,hand,finger,ATM,cashmachine,Magnetic,strip,plastic,plasticcard,creditcard,credit,debit,mastercard,gotonysmith,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy D91FGW - Putting a Nationwide account card into a co-op cash machine yellow
Knutsford Road, Grappenhall, Warrington, Cheshire, WA4 2PL, United Kingdom
Description
Keywords: Putting,a,Nationwide,account,card,into,a,co-op,cash,machine,yellow,gotonysmith,England,UK,United,Kingdom,push,pushing,chip,and,pin,hand,finger,ATM,cashmachine,Magnetic,strip,plastic,plasticcard,creditcard,credit,debit,gotonysmith,Buy Pictures of,ATMs,closed,reduced,availability,local,to use,using
Description: Tony Smith image Alamy D91FHM - Putting a yellow Nationwide account card into a co-op cash machine
Knutsford Road, Grappenhall, Warrington, Cheshire, WA4 2PL, United Kingdom
Description
Keywords: Putting,a,Nationwide,account,card,into,a,co-op,cash,machine,yellow,gotonysmith,England,UK,United,Kingdom,push,pushing,chip,and,pin,hand,finger,ATM,cashmachine,Magnetic,strip,plastic,plasticcard,creditcard,credit,debit,gotonysmith,Buy Pictures of,ATMs,closed,reduced,availability,local,to use,using
Description: Tony Smith image Alamy D91FJ0 - Putting a yellow Nationwide account card into a co-op cash machine
Knutsford Road, Grappenhall, Warrington, Cheshire, WA4 2PL, United Kingdom
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,hand,holding,note,notes,fresh,dispensed,from,a,cash,machine,Dublin,Eire,Irish,European,shortage,in,of,disappearing,being,removed,closed,automated,teller,machines,ATMs,Republics,network,Republic,Central Bank,ownership,retail,banks,bank,branches,Department of Finance,Retail Banking Review public consultation
Description: Tony Smith image Alamy 2PJ0YXD - Cash use has been declining in Ireland in recent years, in particular during the pandemic. Central Bank statistics indicate that Irish ATM withdrawals were €13 billion in 2021, compared to €19.7 billion in 2019, a decline of 34 per cent.
The value of such withdrawals is now at about two-thirds of pre-pandemic levels, albeit they remain relatively stable at €1 billion per month.
Central Bank raises concerns at sale of Republic's ATM network
Regulator says 75% of network will be under control of unregulated entities by end of year as banks sell up
The Central Bank has raised concerns with the Government that three-quarters of Ireland's ATM network will no longer be under the control of retail banks by the end of the year.
The issue of the ATM network and the closure of bricks and mortar bank branches has been a political hot potato for the Government due to concerns around how older and more vulnerable cohorts of society might cope with such changes.
The regulator has outlined concerns on the matter in a submission to the Department of Finance's Retail Banking Review public consultation.
It said retail banks are selling their off-site ATMs to independent ATM deployers which, it noted, are unregulated . Just 25 per cent of Ireland's ATM network will be owned by retail banks by the end of the year compared to 100 per cent in 2015, it said.
In-branch services are also reducing, it said, with the number of bank branches countrywide set to reduce by 32 per cent compared to 2019.
The trend towards the withdrawal of cash and other in-branch services is being driven by commercial decision making, it said. We expect banks to ensure that the impact of their decisions are considered carefully and with a consumer-focused approach. The impact for all consumers, including those who are vulnerable, must be assessed by banks, to ensure changes to branches and in-branch services are undertaken in an orderly manner. We expect that vulnerable customers will be accomodated
Dublin, Eire, Ireland
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,note,notes,pound,pounds,holding,UK,keyboard,keys,Scots,bank,dispensed,from,a,local,Automatic Teller,machine,Glasgow,Scotland,G3,network,banking,of,machines,BOS,RBOS,polymer,plastic,cash,point,cashpoint,finance,finances,money,withdraw,fiscal,union,independence
Description: Tony Smith image Alamy 2PHJ91T - Scotland sees steepest fall in cash machine withdrawals in 2021
Data from the UK's main cash machine network reveals that ATM transactions fell by up to 68% during the first national lockdown
The UK's main cash machine network LINK has published data showing that despite a 37% fall in ATM transactions in 2020, UK adults on average still withdrew more than £1,500 each from cash machines.
Scotland saw the steepest fall, with adults withdrawing almost £900 less than they did in 2019.
On average, UK adults visited ATMs 12 times less in 2020 than they did in 2019.
In recent years, as consumers use alternative payment methods such as contactless cards or online payments, ATM transactions have fallen on average around 10% year-on-year.
However, in April 2020, when the UK went into the first national lockdown, ATM transactions fell initially by up to 68%.
Despite subsequent lockdowns, on average more than £1.6bn was still withdrawn for cash machines every week for the rest of 2020.
Argyle Street, Glasgow, Scotland, UK, G3 8AD
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,Merseyside,England,UK,experience,gamble,gambling,fixed odds,betting,terminals,bandit,one armed,L1 1EF,L1,14-16,high street,machines,Novomatic,money,laundering,cash,bets,FOBT,FOBTS,slot,slots,machine,Admiral casino,shop,shops,centre,amusement,centres,gaming,facility,facilities
Description: Tony Smith image Alamy 2P4JY30 - Novomatic is an international gambling company based in Austria, founded by Johann Graf in 1980
Novomatic operates about 2,000 casinos and other gaming facilities in about 50 countries, many of them under the Admiral Casino brand. It also offers online gambling, and produces slot machines and other technology for the gaming industry. As of 2021, it has about 21,000 employees and annual revenue of €1.8 billion
Johann Graf initially partnered with Gerhard Brodnik in the 1970s to start Brodnik & Graf, a company that was importing pinball machines from Belgium. In 1980, Brodnik decided to quit, and Graf oriented towards producing gambling machines under the Admiral brand. A number of Admiral branded casinos were opened. Novomatic expanded globally during the decade and vastly improved the technology. It was among the first gambling equipment manufacturers to use touch screen technology.
In 2010, Novomatic expanded into online gambling business by acquiring controlling stake in London based Greentube studio. Greentube, in addition to their original content, is the main online publisher of already established Novomatic slot games. Greentube then purchased Canadian based Bluebat Games studio in 2015 to further expand its online presence.
Instant win and digital scratchcard provider, Gamevy, formed a partnership with Novomatic subsidiary, Novomatic Lottery Solutions (NLS), in November 2016. The tie-up presents NLS with an opportunity to focus on the broader lottery demographic.
This segment accounts for 56% of the company's revenues as of 2021, with the bulk of the business coming from Austria, Germany, Italy, the United Kingdom, and Eastern Europe.
United Kingdom
Admiral casino, King Street, Hammersmith, London
Novomatic operates Admiral Casino in the United Kingdom, a brand that includes a licensed online casino, as well as a chain of more than 200 gambling venues in the UK operated by Luxury Leisure. Its online casino includes slots, jackpot games, roulette, b
14-16 Richmond St, Liverpool, Merseyside, England, UK, L1 1EF
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,hand,holding,note,notes,fresh,dispensed,from,a,cash,machine,Dublin,Eire,Irish,European,shortage,in,of,disappearing,being,removed,closed,automated,teller,machines,ATMs,Republics,network,Republic,Central Bank,ownership,retail,banks,bank,branches,Department of Finance,Retail Banking Review public consultation
Description: Tony Smith image Alamy 2PJ0YXH - Cash use has been declining in Ireland in recent years, in particular during the pandemic. Central Bank statistics indicate that Irish ATM withdrawals were €13 billion in 2021, compared to €19.7 billion in 2019, a decline of 34 per cent.
The value of such withdrawals is now at about two-thirds of pre-pandemic levels, albeit they remain relatively stable at €1 billion per month.
Central Bank raises concerns at sale of Republic's ATM network
Regulator says 75% of network will be under control of unregulated entities by end of year as banks sell up
The Central Bank has raised concerns with the Government that three-quarters of Ireland's ATM network will no longer be under the control of retail banks by the end of the year.
The issue of the ATM network and the closure of bricks and mortar bank branches has been a political hot potato for the Government due to concerns around how older and more vulnerable cohorts of society might cope with such changes.
The regulator has outlined concerns on the matter in a submission to the Department of Finance's Retail Banking Review public consultation.
It said retail banks are selling their off-site ATMs to independent ATM deployers which, it noted, are unregulated . Just 25 per cent of Ireland's ATM network will be owned by retail banks by the end of the year compared to 100 per cent in 2015, it said.
In-branch services are also reducing, it said, with the number of bank branches countrywide set to reduce by 32 per cent compared to 2019.
The trend towards the withdrawal of cash and other in-branch services is being driven by commercial decision making, it said. We expect banks to ensure that the impact of their decisions are considered carefully and with a consumer-focused approach. The impact for all consumers, including those who are vulnerable, must be assessed by banks, to ensure changes to branches and in-branch services are undertaken in an orderly manner. We expect that vulnerable customers will be accomodated
Dublin, Eire, Ireland
Description
Keywords: GoTonySmith,HotpixUK,@HotpixUK,note,notes,20,pound,pounds,holding,UK,keyboard,keys,English,BoE,Bank of England,NE1,local,bank,Automatic Teller,dispensed,from,a,machine,network,banking,of,machines,cash,point,cashpoint,finance,finances,money,withdrawing,withdraw,free withdrawals,fresh,10
Description: Tony Smith image Alamy 2PHJ91P - Amount withdrawn from cash machines fell EVEN further last year and expert says usage will never return to pre-pandemic levels
Number of cash withdrawals fell 6% last year after 40% collapse in 2020
The average Briton withdrew a third less cash last year than they did in 2019
One expert says number of withdrawals won't return to pre-covid levels
People continued to use less cash last year with new figures showing the number of withdrawals from ATMs fell 6 per cent annually.
A total of £79billion was withdrawn from cash machines in 2021 compared to £81billion in 2020, according to data by Link, the UK's main cash machine network.
There was also a 7 per cent decline in cash machine transactions last year, which includes withdrawals and balance enquiries, falling from just over 1.6billion to 1.5billion.
This means the average withdrawal per person in the UK was £1,462 last year, visiting an ATM around 18 times.
In 2019, prior to the pandemic, the average withdrawal per person in the UK was £2,193 meaning the typical person is withdrawing two thirds of what they were before Covid-19, when the advice was to not use cash but contactless debit and credit card payments instead
Newcastle-upon-Tyne, UK, NE1 5PG
Description
Keywords: GotonySmith,HotpixUK,@HotpixUK,gambling,fruitmachine,keep control,control,your,gambolling,addictive,regulate,dangers,of,pokies,machine,18,year,old,bandit,casual,addiction,winners,losers,cash,video,game,games,gaming,FOBT,Fixed Odds Betting Terminals,Players Panel,compulsive,activity,habit,habits,destructive
Description: Tony Smith image Alamy 2JM9P39 - A slot machine (American English), fruit machine (British English) or poker machine (Australian English and New Zealand English) is a gambling machine that creates a game of chance for its customers. Slot machines are also known pejoratively as one-armed bandits because of the large mechanical levers affixed to the sides of early mechanical machines and the games' ability to empty players' pockets and wallets as thieves would.[1]
A slot machine's standard layout features a screen displaying three or more reels that spin when the game is activated. Some modern slot machines still include a lever as a skeuomorphic design trait to trigger play. However, the mechanics of early machines have been superseded by random number generators, and most are now operated using buttons and touchscreens.
Slot machines include one or more currency detectors that validate the form of payment, whether coin, cash, voucher, or token. The machine pays out according to the pattern of symbols displayed when the reels stop spinning. Slot machines are the most popular gambling method in casinos and constitute about 70% of the average U.S. casino's income.[2]
Digital technology has resulted in variations in the original slot machine concept. As the player is essentially playing a video game, manufacturers can offer more interactive elements, such as advanced bonus rounds and more varied video graphics.
Stafford North Services, M6, Staffordshire, England, UK, ST15 0EU
Description
Keywords: GotonySmith,HotpixUK,@HotpixUK,gambling,fruitmachine,keep control,control,your,gambolling,addictive,regulate,dangers,of,pokies,machine,18,year,old,bandit,casual,addiction,winners,losers,cash,video,game,games,gaming,FOBT,Fixed Odds Betting Terminals,compulsive,activity,habit,habits,destructive,row,rows,machines
Description: Tony Smith image Alamy 2JM9P4H - A slot machine (American English), fruit machine (British English) or poker machine (Australian English and New Zealand English) is a gambling machine that creates a game of chance for its customers. Slot machines are also known pejoratively as one-armed bandits because of the large mechanical levers affixed to the sides of early mechanical machines and the games' ability to empty players' pockets and wallets as thieves would.[1]
A slot machine's standard layout features a screen displaying three or more reels that spin when the game is activated. Some modern slot machines still include a lever as a skeuomorphic design trait to trigger play. However, the mechanics of early machines have been superseded by random number generators, and most are now operated using buttons and touchscreens.
Slot machines include one or more currency detectors that validate the form of payment, whether coin, cash, voucher, or token. The machine pays out according to the pattern of symbols displayed when the reels stop spinning. Slot machines are the most popular gambling method in casinos and constitute about 70% of the average U.S. casino's income.[2]
Digital technology has resulted in variations in the original slot machine concept. As the player is essentially playing a video game, manufacturers can offer more interactive elements, such as advanced bonus rounds and more varied video graphics.
Stafford North Services, M6, Staffordshire, England, UK, ST15 0EU
Description
Keywords: Clydesdale,bank,ATM,cash,dispensing,machine,Scotland,UK,scottish,independance,independence,soveregn,nation,SNP,national,party,money,monetary,union,issues,problems,problem,finance,financial,vote,voting,20,10,ten,twenty,note,official,currency,gotonysmith legal tender retail,hand,finger,fingers,Buy Pictures of,Buy Images Of
Description: Tony Smith image Alamy DG373Y - While provincial banks in England and Wales lost the right to issue paper currency altogether, the practice of private banknote issue has continued in Scotland and Northern Ireland. The right of Scottish banks to issue notes is popularly attributed to the author Sir Walter Scott, who in 1826 waged a campaign to retain Scottish banknotes under the pseudonym Malachi Malagrowther.
Scott feared that the limitation on private banknotes proposed with the Bankers (Scotland) Act 1826 would be have adverse economic consequences if enacted in Scotland because gold and silver were scarce and Scottish commerce relied on small notes as the principal medium of circulating money. His action eventually halted the abolition of private banknotes in Scotland.
Scottish and Northern Irish banknotes are unusual, firstly because they are issued by retail banks, not central banks, and secondly, as they are not legal tender anywhere in the UK “ not even in Scotland or Northern Ireland “ they are in fact promissory notes.
Seven retail banks have the authority of HM Treasury to issue sterling banknotes as currency. Despite this, the notes can be refused at the discretion of recipients in England and Wales, and are often not accepted by banks and exchange bureaus outside of the United Kingdom. This is particularly true in the case of the Royal Bank of Scotland £1 note, which is the only £1 note to remain in circulation within the UK.
In 2000, the European Central Bank indicated that, should the United Kingdom join the euro, Scottish banks (and, by extension, Northern Ireland banks) would have to cease banknote issue. During the Financial crisis of 2007“2008, the future of private banknotes in the United Kingdom was uncertain. It has been suggested that the Banking Act 2009 would restrict the issue of banknotes by commercial banks in Scotland and Northern Ireland by removing many of the provisions of the Acts quoted above.Banks would be forced to lodge sterling.
Dalkeith, Edinburgh, Scotland UK
